Every user begins their journey by completing Intelligent eKYC, which verifies identity using AI-based document checks, liveness detection, and assisted video verification where required. 

Once verified, users are offered starter-level credit with low limits and short repayment cycles.

This allows QuickPe to assess real repayment behavior while keeping exposure minimal and manageable.

Users climb the Credit Ladder based on on-time repayments, consistent usage, and clean behavior, rather than traditional credit scores alone.

Each positive action strengthens the user’s credit profile and unlocks the next level.

As trust increases, credit limits, tenure, and flexibility are expanded gradually.

At every stage, QuickPe applies continuous monitoring and risk signals to ensure responsible growth without over-exposure.

The Credit Ladder transforms users from credit-invisible to credit-ready, enabling access to larger financial products, partner offers, and ecosystem-wide benefits.

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Sustainable path to financial inclusion — for lenders alike